Public Bank Quantum MasterCard

Shopping is the most celebrated activities in life. You can do it while taking advantage of cashback and rewards with Public Bank Quantum MasterCard credit card.

No Annual Fee

You must be thinking that there is a catch, right? But no! There is absolutely no hidden motive behind it. 

Both principal and supplementary cardmembers can equally enjoy a free-for-a-lifetime card usage without any conditions.

Say bye-bye to credit cards which charge you steep annual fee and turn to Public Bank Quantum MasterCard to get more for your money.

Double Quantum Cards

More good news for those wishing to sign up for Public Bank Quantum MasterCard today as you will get a complimentary Public Bank Quantum Visa credit card upon approval. Isn't two is better than one?

5% Cashback

Do you like the idea of getting back your money after spending it? Well, Public Bank Quantum Visa credit card gives you 5% cashback on every online transaction.

Do you know that you can enjoy significant savings on your spending through cash rebate, which is sort of a refund in small percentage credited back into your credit card? All you need to do is spend, spend and spend!

If Online Shopping is your biggest forte (which make up 90% of your spending habits), then Public Bank Quantum MasterCard is the right choice for these indulgences. For every Ringgit spent on the category, you earn 5% cashback, capped at RM30 per month.

VIP Points

Cashback alone is not enough to deem a credit card's uniqueness. 

That's why Quantum MasterCard steps up its game with cashback and reward points features so that you can reap the benefits of this plastic card.

It's easy to collect VIP Points:

• For every Ringgit spent on local retail transaction, you earn 1 VIP Point, whereas 2 VIP Points will be rewarded for RM1 spent overseas. 

Put simply, RM3,000-worth of spending gets you 3,000 VIP Points. Do note that your VIP Points will expire in three (3) years.

0% Flexipay for 12 months

Free up your monthly expenses with a flexible instalment plan that charges you zero interest on your conversion amount.

 Exclusively for Public Bank Quantum MasterCard credit cardholders, you get to enjoy a 0% one-time upfront interest for a 12-month flexi payment plan.

Just make a minimum transaction of RM1,200, then call Customer Service at +603 2176 8000 (or write to [email protected] 3 days after the purchase or 5 days before settlement date) to convert the amount to Public Bank Flexipay Plan.

Contactless Function

Your Public Bank Quantum card is equipped with a contactless functionality, where you simply need to tap or wave your card on the contactless terminal reader when making payment at the checkout. 

• No signature or pin is required for retail purchase of RM250 and below in Malaysia.
• Cumulative contactless transaction limit is defaulted to RM500.
• The cumulative contactless transaction limit will be reset automatically after performing transaction with PIN entry
• To change the cumulative contactless transaction limit, or to turn off the contactless functionality, you may perform it via ATM / CRM or call Public Bank Card Services Help Desk at 03-2176 8000.

24/7 Help Desk

If your credit card is stolen, tampered with or broken, there is a dedicated, round-the-clock Help Desk who is ready to assist you for any credit card-related emergencies. Just dial +603 2176 8333.

What documents are required?

Salaried Employee / Employed

• Latest Month Payslip and/or
• Latest EA Statement and/or
• EPF Statement and/or
• Employment Letter / Employer Confirmation

Self-Employee

• Latest 1 year Tax Returns / Tax Receipts
• Latest 6 months company CASA statement (for company directors)

Variable Income

• Latest 6 months of the following:

• Overtime as reflected on the Payslips
• Commissions Statements / Vouchers
• Fee Statements / Vouchers

• Latest 3 years of the following:

• Dividend Statements / Vouchers
• Interest Statements / Vouchers

Other Income source

• Tenancy Agreements and/or
• Pension Statements / Vouchers and/or
• Annuities Statements

Overseas Income

• 3 months Payslips
• Latest 1 year Notice of Assessment / Form IR8A / Form IR8E (for Singapore only)
• Salary Deposits Account (reflecting the latest minimum 3 months of salary crediting - for Brunei only)
• Employment Letter

Any additional income documents may be required at the absolute discretion of Public Bank.

Credit Limit & Credit Line

If you earn RM36,000 per annum or less, the maximum credit limit will be two times (2x) your monthly income. 

If you have two or more cards with Public Bank, a total combined credit line will be offered to cover the use of all cards held by you (the principal) and your supplementary cardholders. 

You can choose to have your Supplementary cardholders nominated for a separate credit line from a minimum of RM1,000.